Online Financing with Affirm
+ What is required to have an affirm account?
Affirm offers clear, simple financing for your online purchases in just a few clicks:
- Be 18 years or older.
- Have a valid U.S. or APO/FPO/DPO mailing address (excluding overseas territories).
- Have a valid postpaid US mobile number that can receive SMS texts. The phone number must be registered in your name, and we cannot accept VOIP numbers at this time.
- Provide your name, email, valid mobile number, birthday and last 4 digits of SSN to help us protect and verify your identity.
+ Does Affirm require a credit check?
Affirm does a credit check to verify your identity and provide you with a financing offer when you sign up. This is a ‘soft’ credit check and will not impact your credit score. If you choose to complete a purchase and finance it with Affirm, we will do a single ‘hard’ credit check when your first order is processed by the merchant. This may have a minor impact on your credit score. For future purchases with Affirm we won’t need to check your credit again.
+ Do I have a credit limit with Affirm?
Affirm has no fixed credit limit. We underwrite each loan individually taking into account the merchant, items purchased and other information available at the time of purchase.
+ Does Affirm charge any fees or interest rates?
Affirm charges a small finance charge when you split your purchase into multiple payments. We will always clearly state the cost of the finance charge in terms of real dollars ($) and an Annual Percentage Rate (APR) so that you can know exactly what you’re paying. We never charge any compounding interest and there are no hidden fees. We strive always to be more transparent and fair than any other form of financing.
How To Apply:
Just select Affirm at checkout.